Home + Mortgage Intelligence — Not a ListingFor Sale
229 atmore dr
santa paula, ca 93060
HomeRates.ai is not a listing service and has no listing relationship to this property. This page is the financial and decision-intelligence layer HomeRates.ai builds around a real address, organized into five public intelligence categories — each figure labeled by the kind of claim it is.
1Property & Value Intelligence
Property typeNot resolvedPROPERTY FACT
Beds / Baths2 bd / 2 baPROPERTY FACT
Square footage1,070 sqftPROPERTY FACT
List price$459,900PROPERTY FACT
Automated valuation (AVM)$298,578ESTIMATEAveraged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
316 Atmore Dr, Santa Paula, CA 93060$782,000 · Mar 2023
245 Atmore Dr, Santa Paula, CA 93060$136,250 · Feb 2011
2Financing Intelligence
Illustrative scenario only — 20% down, 740 credit score, conventional, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION
Illustrative loan amount$367,920DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACTOBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.648%DERIVED CALCULATION0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$2,361/moDERIVED CALCULATION
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
LLPA estimates are a pricing calculation only — they do not represent or imply loan eligibility, underwriting approval, or a commitment to lend. Based on the publicly posted Fannie Mae matrix. Actual lender pricing varies by loan program, lender margin, and market conditions. Consult a licensed mortgage professional to determine eligibility.
3Ownership Cost Intelligence
Property tax (est.)$291/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$115/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$2,767/moDERIVED CALCULATION
4Market & Location Intelligence
Area median days on market51dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Quiet suburban townhome community with strong amenities but moderate climate risks typical of Ventura County foothills. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
5Decision Intelligence
Property-centered only — price-vs-value fit, market fit, and location fit. This is not a buyer-specific affordability score and HomeRates.ai never publishes Personal Fit or any real buyer's Decision Score.
Value fit22/100DERIVED CALCULATIONListed +232.1% vs AVM $139K
Market fit68/100DERIVED CALCULATIONMedian DOM 51d, sale-to-list 98.4%
Location fit68/100DERIVED CALCULATIONWalk Score: Somewhat Walkable, Transit Score: Minimal Transit
Key strengths
- Private single-story living
- Community pool/clubhouse
- Easy freeway access
Key concerns
- Small lot size
- Moderate wildfire risk
- Limited transit
What's missing / verify before an offer
- HOA fee not confirmed.
- Current listing status and a personalized rate quote from a licensed lender.
Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — as computed for a HomeRates.ai user, 7/9/2026
0Sources & Freshness
Property record enriched: 7/9/2026 (source: redfin)
Listing snapshot fetched: 7/9/2026
Valuation, comps, and location intelligence captured: 7/9/2026
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
Market rate observed: 2026-08-21 (FRED / OBMMI)
Page generated at request time from stored HomeRates.ai intelligence — no figure on this page is generated by an AI model without being labeled as such.